www.iva.co.uk

Annual review just completed and what a relief to have no changes!
First year down and 4 to go - cant believe how quick the last 12 months have went.
What a relief to have no letters or phonecalls bombarding us and our family life hasnt been to bad.
We still dont have a pile of surplus cash each month but at least we have no mounting bills or credit cards to wory about.
Thanks to everyone for their support and advice on this forum - dont post that often but can nearly always find the answers to my questions in other posts!

Its pleasing to get a review under your belt,they do appear rather scary at 1st but are there for your benefit as much as anything else.

As for the surplus of cash,we found that whenever we managed to save anything,something broke down,that cost a little over what was saved up.

Good luck for the next 47 months!!

Paul

Well done
break the time into smaller amounts and focus on the half way stage every day passed is a day nearer

Well done newbeginnings and I waiting for my 4th year review and they are still as scary as the first but every day is a day closer to being debt free - good luck

Fab news. Hope it continues to go well. Somedays i feel like we've been in the iva forever and sometimes its flown. Good luck x